SmartFinancial, Inc. (SMBK): Price and Financial Metrics

SMBK POWR Grades

• Momentum is the dimension where SMBK ranks best; there it ranks ahead of 95.04% of US stocks.
• SMBK's strongest trending metric is Stability; it's been moving down over the last 179 days.
• SMBK ranks lowest in Quality; there it ranks in the 30th percentile.

SMBK Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 11.23 for SMARTFINANCIAL INC; that's greater than it is for 92.99% of US stocks.
• With a year-over-year growth in debt of -53.76%, SMARTFINANCIAL INC's debt growth rate surpasses merely 4.9% of about US stocks.
• The volatility of SMARTFINANCIAL INC's share price is greater than that of merely 4.68% US stocks with at least 200 days of trading history.
• Stocks with similar financial metrics, market capitalization, and price volatility to SMARTFINANCIAL INC are CCBG, ACNB, BANR, FCF, and OSBC.
• Visit SMBK's SEC page to see the company's official filings. To visit the company's web site, go to www.smartfinancialinc.com.

SMBK Valuation Summary

• In comparison to the median Financial Services stock, SMBK's price/sales ratio is 10% higher, now standing at 3.3.
• SMBK's price/earnings ratio has moved down 0.9 over the prior 239 months.

Below are key valuation metrics over time for SMBK.

SMBK Growth Metrics

Its 2 year cash and equivalents growth rate is now at 147.17%.
• The 3 year net income to common stockholders growth rate now stands at 71.45%.
• Its year over year price growth rate is now at 6.93%.

Over the past 70 months, SMBK's revenue has gone up $111,826,511.

The table below shows SMBK's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	153.487	42.212	36.673
2022-06-30	147.045	43.408	34.73
2022-03-31	140.049	40.786	33.293
2021-12-31	135.71	46.182	34.79
2021-09-30	130.953	52.394	37.164
2021-06-30	122.941	58.97	33.959

SMBK's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• SMBK has a Quality Grade of C, ranking ahead of 32.11% of graded US stocks.
• SMBK's asset turnover comes in at 0.035 -- ranking 279th of 428 Banking stocks.
• FULT, SMMF, and COLB are the stocks whose asset turnover ratios are most correlated with SMBK.

The table below shows SMBK's key quality metrics over time.